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Unauthorized Properties in India

A brief Description

Unauthorized properties in India After the drastic development in economy creating a cutthroat competition between the banks has made them to reduce the bank rates provided in the home loans have come down to 15-12% , depending on the amount of loan and the duration of the loan. Punjab national bank in order to attract the customers has introduced various schemes along with profitable and quick loans.

The main ambitions of these loans are to assist in the purchases along with renovations and repairs of homes. Credit up to 10lacks has been offered with furnishing limit of 2lacks for housing requirements. Signature of third party is a must for official purposes. An additional of 125% and above of such amounts by the way of mortgages or other unauthorized properties in India must be provided in case if the purchase is on power of attorney. In cases where mortgage cannot be provided in a short time an agreement containing housing board is signed and agreed upon it should be produced. The rates considering period is as low 9.25% for up to a period of 5 years, 10.25 for periods between 5 and 10 years. In case if period of 5 years the rates are as low up to 7.5%. Comparing to the rates of banks like CICI bank, State Bank of India, Central Bank, Citibank and Bank of India with Punjab national bank is comparatively low. Loans are repaid in equal monthly instalments. The period of loans can be extended up to 25 years or even may be before the client turns 65. In case of immediate purchases loans are paid in the form of lump sum the clients. For construction purposes loans are issued as per the requirements of the construction projects. All the institutions which provide loans follow all the rules and regulations to avoid a fraud which in term turns to be bad debts to them.

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